Head of Credit Risk

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme's globally proven digital banking technology and hands-on experience building South Africa's leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the Role

GoTyme Bank is looking for a Head of Credit Risk to serve as the independent second line of defence for the bank's consumer lending portfolio. This role sits within the Risk function, reporting to the Bank’s CRO with active participation in lending product meetings, governance forums, including Credit Risk Committee, ALCO, and Board Risk Committee.

As Head of Credit Risk, you will, with your team be responsible for reviewing and challenging - and where required, co-deciding on - credit underwriting policies. You will work closely with lending business heads to ensure the bank grows its lending book responsibly: through a data-driven approach, within the guardrails of the risk appetite statement, and in full alignment with regulatory requirements.

Key responsibilities

• Independent Credit Oversight Work closely with business to provide a structured, evidence-based opinion on credit policies, underwriting and collections strategies, experimentation design, valuation models, and overall portfolio risk managed by the first line of defence. Identify blind spots, challenge assumptions, and ensure decisions are consistent with the Bank’s risk appetite, optimise the risk/return trade-off. Define and enforce the resilience requirements in underwriting standards, including the stress buffers applied to origination loss assumptions.
• Credit Policy Governance Own and maintain the bank's Credit Risk Management policies and procedures, ensuring they remain current, fit for purpose, and compliant with applicable regulations.
• Shared Credit Authority Exercise co-decision authority on material decisions, policy exceptions, and exposure limits beyond first-line authority.
• Risk Appetite Calibration Define and monitor risk appetite metrics to function as operational limits, early warning tools, and escalation triggers. Report on adherence to the Credit Risk Committee and escalate breaches proactively, maintaining a through-the-cycle perspective on portfolio risk.
• Independent Portfolio Monitoring Execute periodic independent assessments of the credit portfolio performance, drive debate with business teams on risk direction. Ensure that credit decision assumptions embedded at origination are recorded, tracked against actual outcomes, and used to progressively recalibrate models and policies - establishing a feedback loop between underwriting assumptions and in-market evidence.
• Provisioning Practices Accountability to ensure lending portfolios are adequately provided. Challenge and support the team responsible for the Bank's credit impairment function, providing insights on expected loss framework elements such as model adequacy, staging criteria, forward-looking assumptions and overlay governance.
• Forecasting & Stress Testing Ensure appropriate and accurate forecasting and predictive tools are in place to enable proactive risk decisioning. Own the design and execution of periodic credit stress testing scenarios - macro-driven and idiosyncratic - and present findings and capital/provisioning implications to senior management and the Board Risk Committee.
• Credit Models Oversight Review, challenge, and provide guidance on credit scoring models and NPV-based valuation tools. Maintain an independent view on the adequacy of the Data and Analytics environment, scoring systems, and decisioning platforms - escalate material gaps or model risk concerns to relevant governance forums.
• Credit Governance & Culture Lead the agenda of the Credit Risk Committee, contributing an independent risk perspective to credit decisions, fostering debate around emerging internal and external trends, and championing a sound credit risk governance culture across the organization. Develop credit awareness and judgment across the business.
• People, processes, reporting and tools Ensure that all aspects of credit are adequately managed, that they are effective and remain fit for purpose as the business matures.

Requirements

Experience

• 8-10 years of experience in credit risk within financial services, with proven record in managing credit risk, understanding credit models, policy, and risk governance
• Demonstrated expertise in model driven consumer lending products - personal loans, credit cards, buy-now-pay-later, or similar retail credit portfolios
• Track record of managing credit risk through a full credit cycle
• Hands-on experience with NPV-based credit economics
• Prior experience in a digital bank, fintech, or similarly fast-paced lending environment is a strong advantage

· Experience engaging with board, Regulators and internal/external auditors; familiarity with applicable credit risk regulations

Technical & Analytical

• Proficiency in credit risk metrics: NPL, Cost of Risk, PD/LGD/EAD, roll rates, vintage curves, risk-adjusted margins, collections strategies
• Working knowledge of IFRS 9: staging frameworks, ECL computation, macro overlays, and disclosure requirements
• Familiarity with machine-learning-based credit score models and their role in credit policy frameworks
• Competence in data analysis tools; SQL and Python are advantages, particularly for independent portfolio monitoring and review
• Competence and experience in leveraging AI technology and AI agents will be advantageous.

Leadership & Judgment

• Proven ability to exercise independent judgment and assertiveness to stand your ground under pressure from business stakeholders
• Track record of presenting complex risk assessments clearly to senior leadership, credit committees, and regulators
• Experience developing credit risk teams; able to mentor and elevate team capability
• Proven ability to operate effectively at speed - delivering structured, timely risk oversight in a high-growth digital banking environment where product cycles are short, portfolios scale quickly, and the cost of slow decisions is real
• Ability to determine, build and manage a fit for purpose credit structure and to effectively lead and mange the credit risk resources.